USAA vs AAA: Which is Better for You?

USAA or AAA: Which company is best for you?

USAA and AAA are two very popular options for insurance, but each company has its own unique features. Eligibility and availability set these companies apart from most other major insurance providers, meaning that some customers may not even be able to find a policy through USAA or AAA. Still, for those who are eligible, both companies have coverage options that satisfy the needs of many customers.

Take a look at our in-depth comparison to see which company comes out on top.

USAA car insurance

AAA car insurance

USAA vs. AAA: car insurance rate comparison

Affordability is an important consideration when shopping for an auto policy. Your rates are determined by many factors, including your driving history, state regulations and your credit score — at least in most states. 

To give you a better sense of how USAA and AAA rates stack up, we've gathered average rates based on a few different factors. Take a look at the figures below to get a sense of which company could be most affordable for you.

USAA vs. AAA: pricing by credit score

For those with very poor credit, USAA could be preferable to USAA. Typically, USAA offers better rates than AAA for drivers with credit scores lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should consider USAA, which typically beats AAA by $1,974 annually. Check out typical insurance rates by credit level for AAA and USAA below.

RATES BY CREDIT LEVEL: AAA VS. USAA

USAA vs. AAA: rates for high-risk drivers

If you're carrying an at-fault accident, speeding violation, reckless driving violation or DUI on your driving record, USAA could be a better choice than AAA. Every car insurance company will handle driving offenses differently, so don't be afraid to shop around and get quotes to find out which insurance company suits you.

RATES BY CITATION: AAA VS. USAA

USAA vs. AAA: rates by age

Insurance companies use age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is typically most expensive for teen drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every insurance company rates ages in a different way, it's smart to shop around and find the perfect policy for you.

In general, teen drivers should choose USAA over AAA: USAA offers average yearly savings of $7,392, compared to AAA.

RATES BY AGE: AAA VS. USAA

Affordability aside, USAA and AAA each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Ratings comparison: USAA vs. AAA

Both USAA and AAA are widely known companies, each with a long history of third-party ratings and customer satisfaction scores. Below you'll find the compiled results of many of these most recent ratings. Included are scores for financial strength, customer complaints, and overall customer satisfaction.

The Zebra's Customer Satisfaction Survey

To get a better sense of how the overall customer experience, The Zebra conducted an independent survey taking a look at many different factors. Below you'll find the results for each company.

USAA vs. AAA: discount comparison

Discounts are a great way to bring down the costs of your car insurance. See how each company's available discount options stack up below.

Due to AAA's partnerships with other car insurance companies to provide policies, some of these discount options may not be available in some locations. Always ask about what discounts you are eligible for when shopping for your policy.

Telematics options: USAA vs. AAA

USAA and AAA both offer telematics programs that can help to measure your driving habits and calculate the level of risk you pose. Take a look at our rundown of available options from both carriers below. 

Roadside assistance: USAA vs. AAA

No one wants to be stuck on the side of the road. If you ever find yourself in that situation, you'll want a roadside assistance program that can get you back on the road quickly. Take a look at each company's roadside assistance options below.

USAA vs. AAA: home insurance

Both USAA and AAA have popular home insurance options to accompany their auto coverage. Below, we take a look at how the two companies compare. 

USAA homeowners insurance review

AAA homeowners review

USAA vs. AAA: home insurance rate comparison

USAA's average homeowners insurance rate is $127 per month. The average rates for AAA come in slightly cheaper at $108 per month. It's important to note that every company has its own underwriting methods, meaning that prices can vary one company to another. This is even true amongst AAA partner companies. 

Home insurance rates are comprised of both individual and environmental factors. This can include things such as your claims history, area crime and your proximity to fire fighting services. For this reason, it's important to shop around when looking for home insurance quotes.

USAA vs. AAA: homeowners discount comparison

Discounts can be enticing to prospective insurance shoppers. See how the homeowners discount options from USAA and AAA compare below.

Other insurance products and bundling options

USAA and AAA both offer multiple lines of insurance that can be bundled together. This can streamline your insurance policies and also lead to potential savings. Along with auto and home, customers may be able to add life, pet, or even small business coverage from USAA and AAA. Take a look at the additional coverage types available from each company below.